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What should your credit score be to have a preapproval from Commenity Bank Store

Frequent Contributor

What should your credit score be to have a preapproval from Commenity Bank Store

I am very interested in doing the shopping cart trick, I wanted to know where should my credit score be when I am doing a shopping cart trick with Commenity Bank? Also can you do more than one shopping cart trick in a day?

Starting Score: EX: 650 EQ: 630 TU: 620 01/06/2014
Current Score: EX: 673 EQ: 673 TU: 643 05/06/2015 / Last App: 05/04/2015 / In the Garden Until: 01/04/2017
Desired Scores EQ 700 EX 700 TU 700
1k 2k 4k $2,200
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3 REPLIES
Senior Contributor

Re: What should your credit score be to have a preapproval from Commenity Bank Store


JMills wrote:

I am very interested in doing the shopping bcart trick, I wanted to know where should my credit score be when I am doing a shopping cart trick with Commenity Bank? Also can you do more than one shopping cart trick in a day?


Yes, you can try more than one store in a day.  Since the pre-approval is via soft pull, it won't impact your FICO scores.  

 

Not sure what the minimum requirement is; it probably varies by store.  You should know that it seems to be a rather arbitrary process.  It worked at Victoria's Secret the first time I tried it.  It took multiple attempts, before I finally got the J. Crew.  I stopped trying at Chadwick's.  Some people have fouror more accts via the trick, others have none.

 

Good luck!  Post your progress.

Message 2 of 4
Super Contributor

Re: What should your credit score be to have a preapproval from Commenity Bank Store

Jmills approvals won't affect your garden statues either Lol Go for it

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 3 of 4
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Valued Contributor

Re: What should your credit score be to have a preapproval from Commenity Bank Store

^^^ well, opening the account will certainly kick you out! XD

Quicksilver WMC $20k | JCPenney Platinum $10k | Drive for Five $800 | Freedom VS $5k | TD Cash VS $5k | CFU VS $14.8k | Blue Sky $13.7k | IT $28k | SavingStar $14.8k | BCE $11.3k | Macy's AMEX $7.2k | BuyPower WEMC $7.5k | CSR VI $13.3k | Diamond Preferred $6.5k FICOS: EX 775 EQ 764 TU 759 VantageScore 3.0: EX 759 EQ 757 TU 762
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